RewardsEarn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Cashback Match™Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

Highlights

INTRO OFFER: Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.

Plus, earn unlimited 1% cash back on all other purchases - automatically.

Redeem cash back any amount, any time. Rewards never expire.

Use your rewards at Amazon.com checkout.

Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Highlights

INTRO OFFER: Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Redeem your cash back for any amount, any time. Cash rewards never expire.

100% U.S. based customer service.

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

0% Credit Cards & Interest Free Credit Cards

Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit. You can find out more about credit score here.

Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR. Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.

Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card or interest free credit card may revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.

The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.

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*General Disclaimer:See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

*Advertiser Disclosure:CompareCards is an independent, advertising-supported credit comparison service. Offers which appear on CompareCards.com are from companies with which CompareCards.com receives compensation. This compensation may impact the location and order in which these products appear. CompareCards.com takes into consideration several proprietary rules and the likelihood of an applicants’ credit approval to determine how and where products appear on the site. CompareCards.com does not include the entire universe of available credit or financial offers.

*Editorial Note:This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

ADVERTISER DISCLOSURE

CompareCards is an independent, advertising-supported credit comparison service. Offers which appear on CompareCards.com are from companies with which CompareCards.com receives compensation. This compensation may impact the location and order in which these products appear. CompareCards.com takes into consideration several proprietary rules and the likelihood of an applicants’ credit approval to determine how and where products appear on the site. CompareCards.com does not include the entire universe of available credit or financial offers.

About Our Ratings

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

Excellent Credit

Between 720 - 850

Credit cards for excellent credit are intended for those with a credit score between 720 - 850.

Good Credit

Between 660 - 719

Credit cards for good credit are intended for those with a credit score between 660 - 719.

Fair Credit

Between 600 - 659

Credit cards for fair credit are intended for those with a credit score between 600 - 659.

Poor Credit

Between 300 - 599

Credit cards for poor credit are intended for those with a credit score between 300 - 599.

No/Limited Credit

- - -

Credit cards for no credit are intended for those without an established credit score.

Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.